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Agricultural Bank Is a Strategy in Achieving Success in Indonesia when the Apply Building Prosperous Farmer

The agricultural sector is dominant in the national economy. The agricultural sector is the largest contributor to the national GDP. The banking institutions in Indonesia currently prefer the non-agricultural financing, due to problems such as limited collateral held or absence of a guarantee / warranty of farmers, lack of credit guarantee institutions, and limited insurance institute of crop failure. The low lending to the agricultural sector because of the risks of farming is still considered high. Bank did not dare to take a greater risk of having to carefully manage the funds of the society. Indonesia is a country rich in agriculture and mining. Agricultural commodity is a perishable commodity / susceptible to damage and the potential for life due to their daily needs. If we compare with the population and agricultural actors of more than 50% of the total population of this country. Indonesia has the potential of natural resources and human resources (HR) in agriculture, should take advantage of this potential opportunity if you want to be a nation of Inventor kuat.Dasar basic concepts from the Agricultural Bank of Bangladesh, Muhammad Yunus, providing a meaningful concept for many people, especially people who need them. Especially the concept underlying the Agricultural Bank to help the little people. In Indonesia there is no bank that is 100% care of the problem agriculture. Strategis as global partners, Grameen Foundation and Grameen Bank fuse their common mission, ongoing relationship, and a common vision by sharing knowledge and success models to accelerate the impact of the microfinance industry in the world's poorest . Nobel Peace Prize winner Muhammad Yunus, founder and director of Grameen Bank, is the founder and current board member of Grameen Foundation.The fundamental considerations and major in Agricultural Bank concept by okezone.com data sources: First, it is difficult ignored. The agricultural sector is very dependent on the season. Still attached in our memories, Indonesia with a Five-Year Development Plan (Repelita) never planned to become the industry from an agricultural country. The plan was designed partly due to the agricultural sector depends solely on logical musim.Maka when national banks consider agriculture sector as a potential risk is that membuatbanknasionalkurangberani tinggi.Faktor plunge to finance the sector. Second, the national commodity trade system also nihil.Memang some existing trade system such as for palm oil or crude palm oil (CPO), rubber, and coffee. Many have not been arranged. With simple language, yet there are rules on farming systems, marketing, and trade.Structural dualism of modern agribusiness financing (large scale) versus the small-scale peasant agriculture. Attention focused on the banking modern agribusiness and large estates. They count, when dealing with small farmers on a mass scale requires substantial transaction costs, starting from the initiation fee / information, the cost of the organization (coordination) and the cost of enforcing the rule. micro banking business pragmatism and skepticism macro policies. Because the information does not flow well, banks are rarely willing to genuinely help customers build and small farmers to the agricultural sector becomes more attractive and bankable. Decision of the banking business is the provision that banks should follow the principles of prudential banking and the Indonesian Banking Architecture. In terms of institutional agricultural banks have supported the government's policy so that its presence also represents the government's commitment to agricultural development, even this step needs to be supported by the parliament put Act for example. Until now the definition of agricultural bank has not formally exist. Under Law No. 10 of 1998 concerning amendment of Law no. 7 of 1992, banks are divided into commercial banks and rural banks (BPR). Meanwhile, the agricultural bank is not included in a separate bank types. However, this type of bank based on its function can be used to explain the presence of agricultural bank in Indonesia. With the basic concept of the Bank of the Poor (Bank for the Poor) - Muhammad Yunus. M. Yunus is a Nobel Peace Prize winner 2006, a state university dean of economics at Bangladesh with the Grameen Bank (Rural Bank). The core of the bank is lending money to poor people without insurance also to make the poor man into his bank shareholders. Actually, the Indonesian government has provided capital assistance to farmers and Gapoktan in aid and Guidance, Agribusiness Development Program and so forth. Menungggu live time and time in preparing a unified concept of the program as well as support from various parties that provide significant input for the progress of Indonesia. In this case the Bank of Agriculture needs to be realized by various considerations for the welfare of farmers, especially poor people who need them